Author Archives: Jon Lowder

Hold the Phone, or You Thought Bank Fees Were Bad

Celeste, my lovely wife, is going to choke when she reads this one.  There’s a woman in Wisconsin who has been paying a monthly fee to rent a rotary phone she hasn’t used in at least 10 years.  It’s been boxed up in her basement all that time. (Read about it here).

The monthly fee is currently $4.45 per month plus tax.  That means for at least the recent past she’s been paying over $50 a year for the thing, and she only discovered it when she changed from AT&T to SBC for long distance.  She’d never switched from AT&T for long distance after the company split into the baby-bells in 1984, and she never noticed the line item for the phone on her bill.

That’s exactly the kind of thing that Celeste guards against.  If the bills were left to me I’m sure we’d have a similar story to this, but Celeste catches those things like a hawk. Needless to say I don’t get away with ANYTHING around here.

Is This Retro, Cheap or Just Sad?

XmturntableI’ve had my XM Delphi Radio Roady2 for about 8 months and until now I’ve kept it in the car.  A while ago Celeste got me the home kit for it, but I just now got around to putting it together in my office.  It plugs into any stereo with standard white/red auxilary cords, so instead of going out and getting a new setup I just grabbed an old hand-me-down stereo that my sister-in-law gave my kids years ago (see the picture; click on it if you want a larger version).  How old is it?  It has a turntable.  I guess you could say it’s an XMtable.

What the hell; the speakers work and now I have XM for my own version of Muzak.  The handy-dandy remote allows me to channel surf without leaving the computer.  Nice.

I Wonder if SunTrust Would Care if They Knew

A Greensboro-based blogger named Jay Ovittore wrote a post about the policy at SunTrust Bank to immediately debit a transaction yet hold a refund for several days.  The policy came to his attention when a store clerk mistakenly overcharged a transaction and then immediately refunded it.  Since the refund didn’t kick in right away several other transactions caused him to overdraw his account and rack up over $200 in overdraft fees.

What’s interesting to me is that Jay got 10 comments on his post, and all of them were recommendations for other banks and credit unions.  SunTrust did eventually make things right and it’s not like they’re the only bank with this policy, but they now have their competitors being promoted at their expense on a blog post that will eventually pick up search engine traffic, and at least locally it has stirred up a little noise.  (It’s the network effect in action).  SunTrust is a big institution, so my question is do they know about this and if they do know about it do they care?  Somehow I doubt it, because if they did they would have a representative posting a comment in their own defense.

Should SunTrust care?  Sure they should, because even in the offline world one disgruntled customer typically tells their friends and colleagues when they get bad service and they also tell those friends and colleagues when a company does something extraordinary to make up for it. Conversely, customers rarely tell anyone when they get adequate or even good service which generally makes them a silent majority. Right now SunTrust has a disgruntled soon-to-be-ex-customer that offers them an opportunity to get out a positive message about their company and they’re missing it.

Where the Jobs Are

There’s a job-related search engine called Indeed that is basically Google for jobs.  To use it just go to the site, type in your parameters (two fields are provided, one for describing the position you’re looking for and one for a geographic area you’re looking for) and faster than you can say "You’re hired" a listing of jobs will appear.  Just like other search engines Indeed ranks the jobs by relevance and it pulls the job listings from thousands of sources.

Indeed has also just launched an interactive map that shows which cities in the US have the most job listings per capita.  My old hometown, Washington, DC comes in second behind San Jose.  Sadly, none of the cities in the NC Triad area (Winston-Salem, Greensboro or High Point) shows up, but that’s not a surprise when you consider that the region’s traditional industries are textiles, furniture and tobacco.  On the other hand Charlotte, just an hour south of us, is ranked 19th.

I Know Who the Next Victim of Wiretapping is Going to Be

Since the current administration, "The Bushites", seem to have no sense of humor I have a feeling that they won’t appreciate being satirized which leads me to believe that the person(s?) behind Fafblog are about to get ‘tapped.  Why? Well, when you pen a satirical piece and title it "Our Omnipotent President" you’re bound to attract attention from some ticked-off Bushites.

The piece is in Q&A form; here’s my favorites:

Q. Can the president spy on me without a warrant?
A. The president would never, ever spy on you, unless you’re talking to a terrorist.
Q. That sounds reasonable!
A.
Or an associate of a terrorist or a suspected associate of a terrorist
or a possible suspected relative of a member of an affiliate of a
terrorist or someone with a name that’s spelled like a terrorist’s or
someone who’s been mistakenly identified as a terrorist by an NSA
algorithm.
Q. That sounds like I should look into switching to smoke signals.
A. Well if you want, the president can stop the illegal wiretapping just for you.
Q. Really? Well thanks, that’d be great!
A. And then the terrorists can come and eat you.
Q. Wait! What?
A.
Cause without the wiretaps there’s nothin to stop the terrorists from
eatin you, yknow. The terrorists and their army of bees.
Q. Oh no! I’m allergic to terrorists AND bees!
A. Oh that’s too bad, cause now the president hasta stop the illegal wiretaps and let alllll those terrorist bees eat you.
Q. Quick! Put the wiretaps back, put the wiretaps back!
A. No no, you just said you wanna get eaten. Eaten by terrorist bees.
Q. I change my mind! Please let the president wiretap me, pleeeease.
A. I dunno…
Q. Please, I can change! I DO believe in terror, I DO believe in terror!
A. Oh, alright. But just this once!
Q. It’s a Nine-Elevenmas miracle!

Found via Boing Boing.

Hell Freezes Over Again: Bank Standing Up for the Little Guy

Today BB&T, a bank based in Winston-Salem, said it will not loan money to developers for projects on land obtained via eminent domain. (Article here.)

The bank’s representative said himself that taking this stand will show a minimal impact on the bank’s bottom line, but hey, this is still news.  A major financial institution has gone on record to say that they disagree with something that private enterprise is doing.  Most financial institutions are loathe to say anything negative about customers or potential customers.

I really don’t care what their motivation was, it was the right thing to do.  And yes, it’s good PR.

It’s Not Race, It’s Economics

This post was prompted by the discussion over in Greensboro about neighborhood schools vs. the forced integration of schools. The reality is that we, society, cannot force people to like each
other, want to live with each other, etc.  Human nature is such that we
want to be around people like us.  Unfortunately due to the history of
race relations in this country we tend to equate "people like us" with
race.  That’s simply not the case for many people.  "People like us"
has a heck of a lot more to do with economics than race.

Before we moved to Winston-Salem in 04 we lived in a very
economically homogenous neighborhood in Northern Virginia.  While there
was a fairly diverse population in terms of race you could safely
assume that the vast majority of the folks in our neighborhood fell
into the same tax bracket.  And since the population was racially
diverse there was never a discussion of the need to bus kids for some
sort of racial quota.

Another interesting stat about Northern Virginia: over 70% of
working adults have a bachelors degree, one of the highest rates in the
country.  Cost of living there is very expensive, so if you want to
live within 30 miles of Washington, DC you need to be able to afford a
$300,000+ house.  The farther you get away from the city the lower the
average household income and the lower the percentage of folks with a
college degree, and voila, the more kids on free lunch programs, etc.
And the closer you get to the city the more you see an urban atmosphere
with impoverished communities juxtaposed with affluent communities, and
not a lot in between.

Long story short, we moved from an area where people still paid
attention to race, but really the number one factor was money and
everyone knew it.  To put it bluntly, no one worried too much if a
black or Mexican or whatever-race family moved in, but they’d have a
conniption if a bunch of day-laborers moved into a house on the street.

When we moved here we spent the majority of our energy finding a
neighborhood in the school districts that were ranked well in terms of
test scores (as much as I hate standardized tests, that’s really the
only barometer you have when you’re from out of town).  Honestly the
pickings were fairly slim so it was easy to narrow our search to a
couple of neighborhoods.  Guess what?  Most of the neighborhoods we
looked at were economically homogenous and to a large extent were
racially homogenous as well.  Did we choose to exclude ourselves from a
racially diverse neighborhood?  Nope.  We picked the place that worked
best for us in terms of getting our kids into good schools. (We see most of our neighbors so infrequently I couldn’t tell you if I
had martians living down the street.)

But my sense is that around here it is still a big deal if a family of another race moves in next door.  That’s too bad because the reality is that a middle class white family is likely to have more in common with a middle class black family than a rich or poor white family.  We don’t like to talk about it, but we all know that there’s a certain level of stress when a "have" is talking to a "have not" or in the case of the rich a "have" is talking to a "has more." 

When we’re around people that lead the same kind of lives we lead it’s easier to know what to talk about.  If you’re middle class it might be the costs of car repairs, having to dip into savings to buy the new washer/dryer, the kids’ moronic baseball coaches, etc.  If you’re rich that’s a different conversation (comparing your new cars that you get every year or two, comparing housekeepers, etc.) and if you’re poor you might be lucky to have to the time to have a conversation at all.

I’m not denying that there are different experiences for folks based on race; I’ve seen black friends treated differently than me in stores, have a hard time getting a cab, etc., but the reality is that as people of the younger generations, those born after legal racial segragation, get older the import of race will begin to dwindle and the import of economics will be recognized for what it is.  When that happens I think we’ll face some very serious issues dealing with the poor (the truly disenfrachised) in this country.

School Selection is Always an Issue

There’s a raging debate over in Guilford County (home to the city/towns of Greensboro and High Point) about school districting.  From what I can tell they’ve been experimenting with various school districting schemes and nothing has worked, and now parents are pushing for neighborhood-based schools.  A couple of good opinion posts about it can be found on Dave Hoggard’s and Sue Polinsky’s blogs.

Sue uses a great analogy to frame the debate.  Basically she says that the forced segregation of schools is an effort to be a lamp to shine the way to a better society and not a mirror of the reality that we all live in.  She also points out the inherent problems with this situation.

From a personal standpoint I can tell you that growing up my schools had a very strong influence on my worldview.  The first 6 1/2 years of school I never had one non-white kid in my class, and then in November of my 7th grade year we moved to Arlington County, VA which is basically an urban environment.  Overnight I was a minority (there were more ‘other’ races than whites in the school).  Definitely opened my eyes. 

My friends came from all over the world: Italy, Japan, India, Mexico, Korea, Venezuela, Iran, Texas.  This was during the after effects of the Vietnam war so we also had a lot of Cambodian kids who’d come over essentially as refugees.  It was interesting to me that many of my friends, who’s dads worked at their countries’ embassies or for multi-national companies, wanted nothing to do with the refugee kids or the children of the illegal immigrants. They viewed those kids as lower class and were actually rougher on them than the American kids, black or white, were.

By ninth grade most of the kids had divided into gangs, all of which were made up of different races.  One day the blacks would fight the whites, the next day the whites would fight the Vietnamese who would then fight the Mexicans, etc.  One thing all the gangs had in common: 99% of their members were either poor or came from "bad" families.  Middle class black kids and white kids didn’t belong to gangs.  Diplomats’ kids didn’t belong to gangs.  Most interesting: children of refugee parents who were doctors, lawyers, etc. in their home country didn’t belong to gangs.  They were dirt-poor but their parents worked multiple jobs and emphasized education above all else.  These kids didn’t play sports either.

The point is that without moving to Arlington I probably never would have seen the disparity within different races.  I realized at an early age that all races were different in things like dress and food, but remarkably similar in one very important way: they all had their own class structure.  That’s an important lesson I don’t think I would have gotten in my white-bread schools and I can’t think of another place after school that I would have gotten it either.  Well, maybe all those public basketball courts I played on growing up, but that’s a whole different world.

Here’s the difference between my experience and what is going on in Guilford County: we had all that diversity in Arlington within neighborhood schools.  School zones could be drawn up geographically and still have the diversity I mentioned.  That’s because it was a little melting pot.  I don’t know that the parents in Arlington would have been any different from the parents in Guilford if their kids would have been forced to go across town to go to school.  It just wasn’t an issue for them, but if you ask me I think Guilford parents have the right idea in asking for neighborhood schools.  If the neighborhoods aren’t diverse then so be it. 

I’ll end by saying that where I live now, Winston-Salem/Forsyth County has an interesting system for the schools: If you don’t like your "core" school you can pick from up to two other schools and get free busing.  My oldest son has a friend who buses from another school’s zone and it takes him quite a while to get to and from school, but it’s worth it to his family in order for him to go to a better school.  The price is that the school system has to work very hard to work out transportation logistics, but in my mind it’s worth it because it allows parents to choose the right situation for their kids.  Maybe it’s the neighborhood school, and maybe it’s not, but they get to choose.  Maybe Guilford should look at the Forsyth system.

Who Knew?

Did you know that Edward R. Murrow is from the Greensboro area?  That NBA great Bob McAdoo is from Greensboro?  So is O. Henry. Check out Yes! Weekly’s list of 10 celebrities from Greensboro a.k.a Blogsboro.

Blogger Patrick Eakes is related to two of the ten and he’s giving a prize to those who can guess which of them are the two.

The Yes! Weekly piece also mentions that Howard Cossell is supposedly from Winston-Salem…anyone know if this is true?